623 Charboneau Ln, Gaylord, MI 49735 Property Records

Otsego County property record for 623 Charboneau Ln, Gaylord, MI 49735

Property Summary

Property Type	Single Family Home
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on File
Last Sale	$64,890 (Mar 2016)
Tax Bill	$876 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2023 Mortgage + 2 more
APN	`011-190-000-011-00`

Property Details

APN / Parcel Number

Primary APN	`011-190-000-011-00`

Exterior

Lot Area	29,185 sqft (0.67 acres)
Lot Dimensions	187 ft deep x 155 ft wide

Location & Zoning

Street Address	623 CHARBONEAU LN
City	GAYLORD
State	MI
Zip	49735-9418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 CHARBONEAU'S LANES END. SEC 16 T30N R3W.
Legal Range	03W
Legal Township	30N
Legal Section	16
Legal Subdivision	CHARBONEAUS LANES END
Legal Lot Number	11
Jurisdiction	OTSEGO MI
Township / Civil Division	BAGLEY
Census Block Group	1
Census Block	1020
Census Tract	950600

Owner

623 Charboneau Ln is owned and occupied by an individual who bought it in March 2016.

Source: Otsego County records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	623 CHARBONEAU LN, GAYLORD, MI 49735-9418
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Sep 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage MEIJER CREDIT UNJION
Oct 15, 2018	Deed of Trust, Mortgage · Line of Credit COMMUNITY FINANCIAL CORP
Apr 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2016 · Amount on File
Deed Sale	Mar 21, 2016 · Amount on File
Prior Sale	Jun 16, 2015 · Amount on File
Deed Book / Page	1398 / 956
Prior Transfer Date	May 28, 2015
Prior Transfer Doc	01377/0052
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Recording Date	Aug 5, 2026
Property Address	623 CHARBONEAU LN, GAYLORD, MI 49735-9418
Document Number	1718000280
Book / Page	1718 / 280
Instrument Date	Jul 28, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CHARBONEAU LN, GAYLORD, MI 49735-9418

Mortgage

Document Number	1718000280,
Date	Aug 5, 2026
Book Page	1718/280

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2046

Interest

Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	623 CHARBONEAU LN, GAYLORD, MI 49735-9418
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CHARBONEAU LN, GAYLORD, MI 49735-9418

Mortgage

Document Number	0000001639/0000000367
Date	Sep 11, 2023
Book Page	0000001639/0000000367

Lender

Name	MEIJER CREDIT UNJION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2028

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	623 CHARBONEAU LN, GAYLORD, MI 49735-9418
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001473/0000000862
Date	Oct 15, 2018
Book Page	0000001473/0000000862

Lender

Name	COMMUNITY FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2048

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	623 CHARBONEAU LN, GAYLORD, MI 49735-9418
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001490/288
Date	Apr 24, 2019
Book Page	1490/288

Lender

Name	COMMUNITY FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 623 Charboneau Ln was $876 with a homeowner's exemption, up 6.1% from the year before.

Source: Otsego County assessment roll, as of October 22, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Otsego County
County Subdivision	Bagley Township
Unified School District	Gaylord Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,700 (+8.64%)	$143,400 (+8.64%)
2025	$876.00 (+6.05%) Homeowner's exemption	$66,000	$132,000
2024	$826.00
2023		$61,600	$123,200
2022	$755.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 623 Charboneau Ln.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 623 Charboneau Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF GAYLORD serves 3,629 people · EPA ID MI0002600
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Baraga Telephone Company Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Truestream, Verizon.

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